The thing is, why would you do it if not for the edge you get for having no upkeep, if you wernt exploiting this fact you wouldnt do it in the first place.
and dont say some bullshit response like 'im testing new builds' cos its a load of rubbish.
Like you said you dont need to keep respeccing to earn your money, so stop exploiting it. Simple.
Having money removed from you would be your just desserts, it's your own fault. Although you may have made most of your money from wise decisions on the marketplace, over 2 months you earn a shitload with no upkeep.
There is only 1 reason you keep respeccing like that, and its obvious, your not fooling anyone.